In this crossover episode of Payments Pros and The Consumer Finance Podcast, guest host Taylor Gess dives into the rapidly evolving world of point-of-sale financing for medical and dental procedures with Troutman Pepper Locke Partners Jason Cover, Brent Hoard, and Erin Whaley. They unpack how HIPAA, business associate relationships, and information-sharing structures can impact financing programs in clinical settings. They explore state-level trends in California, Illinois, and New York, including new restrictions on provider involvement in financing, promotional offers, and payments. The discussion also highlights emerging risks around website tracking technologies, payment portals, and wiretapping-style lawsuits targeting digital health and payment ecosystems. Listeners will come away with a practical framework for structuring medical and dental financing arrangements, managing disputes, and anticipating the next wave of state-level regulation and enforcement.

Transcript: Point-of-Sale Finance Series: Health Care Financing Compliance, Regulatory, and Privacy Pitfalls (PDF)

Photo of Jason Cover Jason Cover

Jason’s in-depth experience advising on consumer lending matters both as in-house counsel and outside advisor provides extensive industry knowledge for his financial services clients.

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Photo of Brent Hoard Brent Hoard

Clients rely on Brent’s unique legal and consulting experience to find practical solutions to today’s complex and evolving privacy and data protection issues.

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Photo of Erin Whaley Erin Whaley

Health care clients turn to Erin Whaley to handle regulatory, operational and corporate matters and guide them in the investigation and resolution of compliance issues. Her deep knowledge of the health care landscape, coupled with practical, business-oriented advice, gives her clients an advantage

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Health care clients turn to Erin Whaley to handle regulatory, operational and corporate matters and guide them in the investigation and resolution of compliance issues. Her deep knowledge of the health care landscape, coupled with practical, business-oriented advice, gives her clients an advantage when navigating the complex regulatory environment.

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Photo of Taylor Gess Taylor Gess

Taylor focuses her practice on providing regulatory advice on matters related to federal and state consumer protection, consumer finance, and payments laws, including those that apply to payment cards, lines of credit, installment loans, electronic payments, online banking, buy-now-pay-later transactions, retail installment contracts…

Taylor focuses her practice on providing regulatory advice on matters related to federal and state consumer protection, consumer finance, and payments laws, including those that apply to payment cards, lines of credit, installment loans, electronic payments, online banking, buy-now-pay-later transactions, retail installment contracts, rental-purchase transactions, and small business loans.

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